Pages

Friday, December 29, 2017

Hi Kens, From all of us at FAIRWAY... to You, we wish YOU only the very best of everything in 2018 and beyond. Thank YOU for yesterday and today and may all of YOUR dreams and goals be met and exceeded tomorrow!!

Friday, December 22, 2017

Hi Kens, (Letter to the editor in 1897, to The New York Sun)Dear Editor--I am 8 years old. Some of my little friends say there is no Santa Claus. Papa says, “If you see it in The Sun, it's so.” Please tell me the truth, is there a Santa Claus? - Virginia Hanlon

Virginia, your little friends are wrong. They have been affected by the skepticism of a skeptical age. They do not believe except they see. They think that nothing can be which is not comprehensible by their little minds. All minds, Virginia, whether they be men's or children's are little. In this great universe of ours man is a mere insect, an ant, in his intellect, as compared with the boundless world about him, as measured by the intelligence capable of grasping the whole of truth and knowledge.

Yes, Virginia, there is a Santa Claus. He exists as certainly as love and generosity and devotion exist, and you know that they abound and give to your life its highest beauty and joy. Alas! how dreary would be the world if there were no Santa Claus! It would be as dreary as if there were no Virginias. There would be no child-like faith then, no poetry, no romance to make tolerable this existence. We should have no enjoyment, except in sense and sight. The eternal light with which childhood fills the world would be extinguished.

Not believe in Santa Claus! You might as well not believe in fairies! You might get your papa to hire men to watch in all the chimneys on Christmas eve to catch Santa Claus, but even if you did not see Santa Claus coming down, what would that prove? Nobody sees Santa Claus, but that is no sign that there is no Santa Claus. The most real things in the world are those that neither children nor men can see. Did you ever see fairies dancing on the lawn? Of course not, but that's no proof that they are not there. Nobody can conceive or imagine all the wonders there are unseen and unseeable in the world.

You tear apart the baby's rattle and see what makes the noise inside, but there is a veil covering the unseen world which not the strongest man, nor even the united strength of all the strongest men that ever lived, could tear apart. Only faith, fancy, poetry, love, romance, can push aside that curtain and view and picture the supernal beauty and glory beyond. Is it all real? Ah, Virginia, in all this world there is nothing else real and abiding.

No Santa Claus! Thank God! he lives, and he lives forever. A thousand years from now, Virginia, nay, ten times ten thousand years from now, he will continue to make glad the heart of childhood.

From the Editorial Page of The New York Sun, written by Francis P. Church, September 21, 1897

Friday, December 15, 2017

Hi Kens, Happy Friday, winter is here and Christmas is right around the corner. It's December and the Real Estate market continues to roll along. I just hung up the phone with a Realtor who is having trouble getting her shopping done as she is so busy and she had to hang up on me, because she was at her first of several showings today. This was at 7:45AM. Good momentum "mo" for the RE Market as we head into 2018!! Wow, 16 days.

So, what's going on to to help your biz... A. Loan limits up for Conventional and FHA B. The Fed bumped short term rates C. Brand new credit resources available

Listen in on today's short video for a little bit of extra info on these topics, all in less than 120 seconds.

Friday, December 8, 2017

Hi Kens, Happy Friday!! Do you have your "business plan" and goals set for 2018? Would you like a copy of the easiest and most effective business plan available on the market? Hard to believe the most effective is also the easiest, however, when you think about it... you realize why. The easier it is, the more likely you are going to start/finish and even follow a Business Plan. The more complex it is, the higher the likelihood that most people will do nothing... And that's a shame. Call me or write, I'm happy to send it to you. 717-431-9299 And speaking of goals... Would you like to help more people next year, sell more homes and make more money? Then take a look at this one hour webinar with nationally acclaimed Reverse Mortgage expert, Harlan Arcola.SellMoreHomesHelpMorePeople.pdfOne short hour, learn more about a product that more and more boomers and seniors are asking about, the HECM (Reverse Mortgage) for purchase program. Remember this... boomers and seniors combined are still the largest home buying demographic in the US.

Friday, December 1, 2017

Hi Kens, Happy Friday and being December 1st, remember it's First Friday in Lancaster City tonight... Always fun and always good to promote and endorse ane support "local". It drives our economy and housing!!

Lot's happening in our world, so let's get to it. First, Freddie Mac and Fannie Mae have announced the new conventional loan limits for 2018... this is a really nice hike of 6.8%! Click here to see the single family loan limit and did you know, that 2-3-4 unit properties have different loan limits? Click on this link 2376082FMWConventionalLoanLimitFlyerGeneric.pdf

For your buyer appointments and Open Houses, click on the next link for our "Seller Assistance Guide" too. SellerAssistKP.pdf With one caveat... Did you know there is a special program that few lenders offer, that allow for a 4% seller assist with only 3% down payment and it's conventional!! Really cool and offers a $1,500 Lender Gift towards closings costs. Way too cool!!

Lastly, FAIRWAY has built our very own, credit score enhancement program. We're able to help more buyers to bump their scores and qualify faster than ever before, because we control the process. Higher scores means better rates, more programs, more affordability and sometimes the difference between buying today or buying tomorrow. Do you want to get more of your leads into homes faster... We have the tools and resources.

From all of us at FAIRWAY, we hope your November "closed" well!! Here's to a great December and when you have questions on any of this content or anything else to do with helping more people buy homes faster and more affordably, call me or write.

Follow by Email

Search Ken's Korner

FAIRWAY Independent Mortgage Corporation

About Me

Ken Pederson is an experienced Mortgage Planner who has been helping families to buy, build
and refinance their homes for over 20 years in Lancaster and south central PA.
His experiences as a large corporate banker and small mortgage broker have led him
to FAIRWAY Independent Mortgage Corp. FAIRWAY is an independent company that
provides Ken and his staff, the best of both worlds to meet the growing needs
of his clients with affordable solutions.